SDS

We have been hired to file "unfiled/past" 5500EZ forms but we don't know which returns have been filed since 1996. We would like to find a way to get copies of prior EZ returns so we know which ones haven't been filed. We have called the IRS and EBSA without much help. Any ideas?

I have a 401(k) safe harbor (3%NE) cross-tested plan with immediate entry dates on DOH for all contribution types. The only service requirement is age 21. There is no EOY requirement or service requirement for the PS contribution and each person is in their own classification group. This plan is Top-Heavy. If you have a new hire (NHCE) during the plan year, can you exclude them based on the otherwise excludable employee rule - meaning the NHCE would not need to receive the minimum gateway contribution with less than a year of service?